INVESTMENTS
Use this Step-Up SIP calculator in India to estimate how increasing your monthly SIP every year can affect total investment, estimated returns and future value.
Estimated value
₹85,97,871
Total invested
₹38,12,698
Estimated returns
₹47,85,173
A Step-Up SIP increases the monthly investment by a chosen percentage, commonly once a year. This calculator models the higher contributions year by year and projects the resulting corpus using the assumed annual return. It is an illustration, not a guaranteed investment outcome.
Read our detailed guide for the assumptions, examples, common mistakes and practical ways to interpret the result.
Read the Step-Up SIP Calculator India guide →The starting monthly SIP is increased once at the beginning of each investment year by the selected step-up percentage. Each month's contribution is then compounded using the assumed monthly return.
Each investment year uses a higher monthly SIP based on the selected annual step-up percentage; each monthly contribution is then projected using the assumed monthly rate.
This is a projection, not a return guarantee. Actual mutual-fund performance and the timing of investments can differ from the assumptions.
A Step-Up SIP is a recurring investment strategy where the SIP contribution is increased periodically, usually once each year.
A 10% step-up means the monthly SIP increases by 10% at the start of each new investment year. For example, a ₹10,000 SIP becomes ₹11,000 in year two.
No. Increasing the contribution increases the amount invested, but mutual-fund returns are market-linked and are not guaranteed.
Yes. You can model different contribution increases and investment periods, but the projected return is only an assumption and actual market performance can differ.
Disclaimer: Results are estimates for educational and informational purposes. They are not financial, tax, legal or investment advice. Rates, tax rules and product terms can change; verify current applicable rules before making financial decisions.